We’re one of the UK’s top specialist providers of retail finance. We’ve been offering point of sale credit to customers of our retail partners for over 20 years. Innovation is at the heart of what we do, we were first to launch what has remained an industry leading system, and we’ve built on our experience. We offer the most advanced, market leading multi-channel credit application processing in the UK. Our intuitive process makes us the best all round system in the country. V12 Retail Finance, simple, clear, honest finance that helps you grow your business and look after your customers.